The best credit card isn't the one your bank offers—it's the one that pays back the most and costs the least. NerdWallet, a credit card search and filter app, pulls from over 600 cards to find the best candidate.

NerdWallet's certainly not the first site in this space. BillShrink, a previously covered competitor, comes to mind. Where NerdWallet differs is in its larger database of card offerings—some seriously obscure cards and banks came up in our testing, for sure—and its claim to not limit its database to cards offering affiliate sign-up rewards. The interface, too, is less screen-by-screen psychology test and more of a dynamic list that changes as you move slider preferences and enter numbers. If you know you want a really low APR that pays back big airline miles for someone who buys a lot of gas, you'll likely find your ideal card here.